U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

California

I applied for a secured credit card with US Bank simply to improve my credit and never activated the card. On - -, 2017 I received - pieces of correspondence from them whicm compelled me to contact them by phone immediately. Ultimately I had a conversation with a man who identified himself as -, a supervisor in the collections department. I asked him why I was being charged any fees when I had not activated my account. I explained to him that I spoke to a rep inside a US Bank and a rep at the CFPB who informed me that it was illegal for them to charge me any fees since I had n't activated the card. He indicated that the call was being recorded and confirmed that I should n't have been charged any fees due to the fact that my credit card had not been activated. He said that he credited a total of $89.00 which was all of the fees that I had been charged to date including the $29.00 annual membership fee. I asked him if my credit has been affected and he said that he didnt know. I asked him for the phone number for the corporate headquarters and he provided me with a customer service phone number. I was eventually transferred to the Excutive Advocacy Team and spoke to a rep who identified himself as - ( employee ID # - ). He informed me that US Bank had in fact reported one 30 day late payment to the credit bureaus. He went on to say that the previous rep - - - had not credited all of the fees and that he would do so right then in the amount of $4.00 which was the amount of interest charges that was missed by the previous rep.